Going on the slopes with even a hangover may invalidate your cover as the industry tries to stem growing losses
Beware if you ski with a hangover this winter. Cash-strapped insurers are using grey areas in the small print of their policies, such as alcohol consumption, to reject claims from injured skiers, who face medical bills of thousands of pounds, even when they have paid for comprehensive winter sports cover.
All insurers have a clause buried in their terms and conditions warning that they won’t pay out if an incident, such as a ski injury, is caused by the policyholder being “under the influence” of drink or drugs. However, insurers now appear to be more inclined to use these vague